Cash Rewards Checking
GET 1.00% CASH BACK ON ALL
ELIGIBLE DEBIT CARD PURCHASES1
Use your Quontic Debit Card for everyday purchases and earn cash back each month! Minimum opening deposit of $100.
How easy it is
How easy it is
1. Open a Cash Rewards Checking Account
Open your online account in 3 minutes or less.
2. Use your Quontic debit card
Qualifying point of sale (POS) debit card transactions1 that post and settle to the account each statement cycle shall receive 1.00% cash back. Ask for details. Additional terms, conditions, fees & exclusions may apply.
3. Receive 1.00% cash back each month
Your cash back reward will be paid and deposited into your checking account at the beginning of each new statement cycle.
Frequently Asked Questions
What do I need to get started?
Our secure account opening process takes less than 3 minutes from start to finish! We ask for a few pieces of information like basic contact info, your social security number, and DOB. You will then be able to fund your account instantly!
Is there a minimum to open a Cash Rewards Checking Account?
You can open an account with as little as $100.
How do I fund my Account?
To make your initial deposit, you can transfer money from your existing Quontic account, you can transfer money from an external account via ACH, or using Plaid’s technology. Please ensure that you have sufficient funds available to be transferred.
How do I get cash back?
When do I get my reward?
Your cash back reward will be paid and deposited into your checking account at the beginning of each new statement cycle.
Are there ATM Fees?
You won’t have to pay ATM fees when you use your Quontic Debit Card at any AllPoint® Network ATMs, MoneyPass® Network ATMs, SUM® program ATMs, or Citibank® ATMs located in Target, Speedway, Walgreens, CVS, Kroger, Safeway, Winn Dixie, and Circle K.
Can I take money out of my account?
Yes, you can spend your money like any other checking account. You will be able to sign up for Online Banking, Mobile Banking and be provided with a Quontic Debit Card.
Can I add money to my account?
Yes! You can easily add money to your account through remote check deposit via our convenient Mobile App, by setting up direct deposit from your work, by mailing a check, depositing money via ACH, or by wire.
What you get
Banking should be easy
- Send & Receive
Remote check deposit, bill pay, and account transfers. Make and receive payments to your contacts. - Financial Tools
Track your spending and monitor credit with a full credit report, and credit report monitoring. - Synced Accounts
A birds-eye view of all your bank accounts, and loans in one place. - Biometric Authentication
Log in to your account securely with your fingerprint or facial recognition.
Support when you need it, and how you want it
Banking with a purpose
Disclaimer:
Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. Some accounts may require a minimum average daily balance for the statement cycle to avoid service charges. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. In order to sign up for online banking, you must have a Quontic Bank account. Mobile banking requires enrollment through online banking. Data connection required. Wireless carrier fees may apply. There is no charge from Quontic bank for account alerts, but message & data rates may apply. mobile check deposit is available for select mobile devices. Subject to eligibility & further review. Deposits are subject to verification & not available for immediate withdrawal. Deposit limits & other restrictions may apply.
1This is a personal non-interest bearing account. You must deposit $100.00 to open this account. No minimum daily balance required to receive the cash back reward and no monthly maintenance fee. Fees reduce earnings. Qualifying point of sale (POS) debit card transactions (“Eligible Debit Card Purchases”) shall receive 1.00% cash back that post and settle to the account each statement cycle up to an aggregate total $50 per statement cycle. The following activities are not considered POS debit card transactions and do not count toward earning rewards: Intentionally creating spending for the sole purpose of generating rewards at little or no cost violates the intent of Quontic’s Cash Reward Checking, and subjects the account to closure. ATM- processed transactions; transfers between accounts; purchases made with debit cards not issued by our bank; cash over portions of point-of-sale transactions; Peer-to-Peer (P2P) payments (such as Apple Pay Cash*); loan payments or account funding made with your debit card and purchases made using third-party payment accounts. Quontic may close the account for any reason including manufactured spending. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Ask for details. Additional terms, conditions, fees & exclusions may apply. Application is subject to approval & further review. Information is accurate as of August 15, 2024 and may change without notice.
2FDIC insurance is applicable to eligible deposit accounts and up to the maximum allowed by law. Learn more at FDIC: Deposit Insurance
Target is a trademark of Target Brands, Inc. Speedway is a trademark of Speedway LLC. Walgreens is a trademark of Walgreen Co. CVS is a trademark of CVS Pharmacy, Inc. Kroger is a trademark of The Kroger Co. of Michigan. Safeway is a trademark of Safeway Inc. Winn Dixie is a trademark of Winn-Dixie Stores, Inc. Circle K is a trademark of Circle K Stores Inc.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. ©2018 Google LLC, used with permission. Google Pay and the Google Pay logo are trademarks of Google LLC. The Samsung Pay® logo is a registered trademark of Samsung Electronics Co., Ltd. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Mastercard is a registered trademark of Mastercard International Incorporated.